If you are like me who have started buying SSB since it was launched and/or through 2016 & 2017, you may want to examine your returns from your current SSBs and consider upgrading.

First, let’s see a chart that shows the 1st year yield of the monthly SSBs from the maiden issue to the most recent one available for our application.

As you can see, the first year interest yield of SSBs declined progressively from 1.2% per year soon after its launch to the lowest point of 0.77% in Nov 2016 and then climbing back to 1.2% by end Dec 2017 before pushing towards 1.8% in recent months as US Fed started raising interest rate.

From this chart